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Two questions (actually three) from yet another novice investor:
1) If my employer is contributing about $3,000 annually to a SEP fund of my choosing, can all of this money be placed in a single Roth IRA, or is there a $2,000 max per account? And if so, what is the difference between the extra $1,000 and the base $2,000, since with a Roth , they are both taxed as income?

2) If my employer makes the above contribution, can I still invest $2,000 of 'my own' money in the above Roth account or some other, or have I already maxed out?

Thanks very much.

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